Is prepaid legal membership just a scam?

by **colten** » Sat Apr 02, 2011 2:13 am

I have it for 15$ per month for years now and they will make a phone call or write 1 letter for each incodent. If I need anything else they always want me to do the leg work for them. Today I called for a legal medical malpractice concern, (for once I really need them for something) and they want to refer me to an outside attorney in that field which my membership doesn't cover. I don't see the advantage here. If I was to sue for damages it seems like they are not willing to be there for me unless I pay extra for it. It seems like I would get more help with matters right here on yahoo answers. Should I cancel my membership with them?

by **reid** » Sat Apr 02, 2011 2:14 am

You have heard this term... Let the buyer beware,, your an
example of it right now... Read the fine print of the service
this slock outfit said they would perform for you. You will find
it doe's not cover putting a band-aid on a 5 inch wide cut.

They are useless.

by **geol19** » Sat Apr 02, 2011 2:15 am

No it's not. The primary benefit - apart form the advice over the phone and having letters written - is coverage if *you* are sued.

If you read the contract, you'll see that the coverage if you are suing someone else is a discount off the normal contingency fee - ie instead of taking 30% pre-trial or 40% after a trial he'll take 25% / 35% (This will still apply to the outside council)

Since you are the one doing the suing, you won't pay anything unless you win.

The big advantage of a PPD plan is if someone sues you - normally the defendant in a civil suit has to pay his lawyer whether he wins or loses. PPD will pay a certain number of hours of defence time either way.

Now - like all insurance - it seems like a really bad deal if you don't use it, but a good deal if you do. Whether the peace of mind is worth the $15 to you or not is something only you can decide.

Richard

by **bret11** » Sat Apr 02, 2011 2:20 am

It is not a scam, but they will only represent you in the most minor cases like an eviction or a breach of contract. If you were charged with possession for sale or murder, they would be history. It has its good points and it bad points. You will have to make your own mind on this one.

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